Cheap Mississippi car insurance
Mississippi law requires all drivers to meet or exceed the minimum limits of liability auto insurance. But just because you’re looking to protect your budget doesn’t mean you can’t find a sound car insurance policy in the Magnolia State.
Here, you'll find everything you need to know about Mississippi state insurance requirements, plus a handy guide to Mississippi driver resources.
How much is car insurance in Mississippi?
The cost of auto insurance that meets Mississippi state insurance requirements can vary widely.
Your insurance premiums are calculated partly based on your unique circumstances, such as:
Your age
Your driving record and claims history
The value and type of vehicle you drive
Where you live in Mississippi
If you're a high-risk driver who's having trouble obtaining coverage, the Mississippi Auto Insurance Plan (MSAIP) can help you comply with Mississippi state insurance requirements.
Requesting a quote is the best way to get the most accurate picture of what you'll pay.
Let us help with the details. Get a free car insurance quote today.
What are the minimum car insurance requirements in Mississippi?
As an at-fault state in which a negligent driver is responsible for damages, Mississippi requires all drivers carry liability car insurance.
The car insurance coverages you need to drive legally in Mississippi are:
Bodily injury liability insurance
Bodily injury liability insurance can help pay for the medical expenses and lost wages of an individual in another vehicle in the event of an accident where you're found at fault.
In Mississippi, the minimum bodily injury liability coverage is:
$25,000 per person
$50,000 per accident
Property damage liability insurance
Property damage liability insurance can help cover the costs of damage you cause to other people's property in an accident. This coverage may include their vehicle but can also help cover damages to fences, buildings, and other types of private property.
The minimum required coverage in Mississippi is:
$25,000 per accident
Uninsured motorist insurance
Car insurance providers are required to offer uninsured motorist (UM) coverage in Mississippi. If you want to reject it, you must do so in writing.
UM bodily injury and property damage coverage can help pay the costs of damages if you're in an accident with a driver who doesn't carry auto insurance. This coverage is a smart addition to your policy because Mississippi has the highest rate of uninsured drivers in the nation at 29.4%.*
Optional car insurance coverages in Mississippi
Meeting Mississippi state insurance requirements may keep you road-legal, but it’s worth considering whether adding optional coverages is worth the premium increase. Many drivers find that optional coverages provide valuable peace of mind.
If you’re leasing or financing a car, your lender may require "full coverage" car insurance—which, while not actually a type of coverage, typically includes collision and comprehensive coverages alongside your required liability coverages.
Some optional Mississippi auto coverages to consider include:
Comprehensive coverage
Comprehensive insurance can help cover repair costs if your vehicle is damaged by events other than collisions—including, theft, vandalism, weather events, or an encounter with an animal.
Collision coverage
Collision insurance can help cover the costs of repairs to your vehicle if you're in an accident with another vehicle—or even if you hit a stationary object—regardless of fault. Like comprehensive, it’s often required if you have a car loan or lease contract.
Medical payments coverage
Medical payments coverage can help cover the costs of medical expenses for you and your passengers if you’re injured in an accident, regardless of fault. Medical payments coverage can be a valuable supplement to your health insurance policy.
Rental reimbursement coverage
If your car is in the shop due to a covered claim, rental car reimbursement coverage can help cover the costs of a rental car so you can have reliable transportation while you’re without your vehicle.
Non-owner car insurance
You may need non-owner car insurance coverage if you frequently drive a borrowed or rented vehicle for work or family obligations. Non-owner coverage can help cover the costs of bodily injury liability and property damage liability in the event you're involved in an accident with that vehicle.
If you don’t own a vehicle but usually drive a car that doesn’t belong to a member of your household, a non-owner policy can fulfill your state minimum liability requirements in Mississippi.
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SR22 insurance in Mississippi
An SR22 form is a certificate that proves you meet Mississippi state insurance requirements. SR22s are typically required for drivers who've had serious traffic violations—such as a DUI—have had their license suspended or revoked, or who've been caught driving on a suspended or revoked license without auto insurance.
We understand the importance of getting you back on the road safely, legally, and quickly. That's why we send SR22 forms to the state after midnight each day, ensuring speedy processing, with no additional fees.
Car insurance discounts in Mississippi
We offer several ways to save on your auto insurance and help you meet Mississippi state insurance requirements. See if you qualify for the following car insurance discounts in Mississippi:
Multi-car
Homeowners
Prior insurance (transfer)
Paid in full
Quarterly
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Who has the cheapest car insurance in Mississippi?
While it's natural to search for the lowest price, the cheapest car insurance isn't always the best value. It's important to compare coverages and limits, customer service, and other factors that impact the total value of your car insurance policy.
Need more than Mississippi car insurance?
We're here to help you navigate the Mississippi auto insurance system. Whether you're looking for minimum coverage or want to explore additional protections, we can help you find a policy that fits your unique situation and budget.
But insurance is just one aspect of navigating Mississippi's roads. If you have a new teenage driver or you've just relocated to the Magnolia State, you might discover you need a little more information. Here are some additional resources for Mississippi drivers:
Driver requirements and laws
Driving on Mississippi's roads offers some of the best vistas in the nation, but it's a privilege that requires knowing and respecting the state's road laws and driver requirements.
Some key points to remember:
The minimum age for a learner's permit is 15
You must be at least 16 to get an intermediate driver's license
It's illegal to text when you're behind the wheel in Mississippi
Mississippi highways have a minimum speed limit of 30 mph
To learn Mississippi's driving laws and other requirements, download the Mississippi Driver's License Manual.
Mississippi Department of Transportation
The Mississippi Department of Transportation (MDOT) maintains all state highways, provides information on road conditions, alerts residents regarding road construction zones and timelines, and offers average travel times between most destinations in the state. If you need to contact the Mississippi DOT, you can use the handy Chat feature located at the bottom of the homepage or call MDOT at 601-359-7001.
Mississippi Division of Motor Vehicles
The Mississippi Department of Public Safety (MDPS) provides driver's licenses, vehicle registrations, and other motor vehicle services for Mississippi residents. To find a branch near you, call 601-987-1212 or use the DMV's self-service options.
Mississippi Insurance Department
The Mississippi Insurance Department regulates all state insurance companies and can help with insurance-related questions or complaints. Call 601-359-3569 for more information.
*Data accuracy is subject to this article’s publication date.
